For those of you retired but not on Medicare yet. Where are you getting your health insurance?

onanysunday

onanysunday

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Not even sure where to start with this. Curious where you guys are getting your health insurance. Rough idea what you are spending and some of the ins and outs to look for.
 
In a couple years, I'll be taking mine with me from work. Will be around $650 per month for wife and I.
If all goes well, I'll move all accrued sick and vacation into an HRA, that will pay for it for the 6 years we'll need
until we turn 65, when it will cost drastically less due to Medicare becoming primary.
 
Dam Tender said:
In a couple years, I'll be taking mine with me from work. Will be around $650 per month for wife and I.
If all goes well, I'll move all accrued sick and vacation into an HRA, that will pay for it for the 6 years we'll need
until we turn 65, when it will cost drastically less due to Medicare becoming primary.
Click to expand...
That is cheap. I could easily live with that. Wife works for a large corporation now and I had not thought to ask if she could take insurance with or continue it. I was thinking that was not an option. Guess I need to ask about that.
 
onanysunday said:
That is cheap. I could easily live with that. Wife works for a large corporation now and I had not thought to ask if she could take insurance with or continue it. I was thinking that was not an option. Guess I need to ask about that.
Click to expand...
You can take it with you for 18 months with COBRA, fun part is you get to pay both portions ( Employee/ Employer)

I have to provide my own even though my Employer pays me for it. I just get mine thru the O-Line Marketplace. It is cheaper than I could find thru individual providers. It is suck ass insurance with high deductibles and it's not cheap.
 
My company no longer provides a subsidy for pre-Medicare medical and dental coverage as of 2022. It would now be at full cost, if i kept it going after retirement, I don't even know if i wanna see that price tag.

We were smart/lucky enough to put the Family on the wife's FEHB plan in time to meet the minimum 5 year requirement, before she retires. The choices there are wide ranging and we can get decent medical coverage at affordable prices.

"Subscribed" to this thread.
 
Here is a good video I came across that explains Medicare plans. I found it helpful in understanding the convoluted system of Medicare options.

 
I use Christian health care ministries it been great wife had backe surgery I had to pay 50% upfront but was reimbursed except are 1000 deductible
 
What so crazy about this is a good friend of mine is Hispanic, born and raised in NV, married a Hispanic, got Mexican citizenship in Mexico and the health insurance is so cheap in Mexico, did a private surgery in a top tear hospital for a fraction of the price.
Thinking about retirement in 10-12 years is depressing
 
Wife.

But, I spent HOUrS on the phone with these guys. They answered All of my questions..


Leave a message and they will call you back. It's an all volunteer organization, guys like you and me, that are just paying it forward.

👍🏼👍🏼
 
I just go through the Utah Health Marketplace, we had kaiser (paid directly for 25 years) but when we retired (at 54) and moved we just contacted a local broker and they set us up. I went high deductible / HSA and pay for most of our medical out of pocket. Comparison, I was paying Kaiser (20k+ a year) and had an MRI on my knee, my deductible was over 700, I had an MRI done on my other knee locally, paid them directly and TOTAL cost was $400... Such a scam...
 
onanysunday said:
That is cheap. I could easily live with that. Wife works for a large corporation now and I had not thought to ask if she could take insurance with or continue it. I was thinking that was not an option. Guess I need to ask about that.
Click to expand...
For sure find out. You might have to be on hers when she retires, in order to be eligible to recieve it. Worth looking into. Thats part of the reason i'm going until the end of 2027. so my vaca, and sick will cover it.
My wife's company pays for all her insurance, currently. and to take hers with her, would be over $1K a month. I would have to pay the difference if I was on hers also, but mine is better ins.

Right now, hers is primary for her, and mine is her secondary. If I took her off mine now, she wouldn't be eligible under my insurance, when we retire.
 
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